Integrity First Financial Group

Avoid. Scam artists. Started a refi with this idiot broker and it dragged on for FOUR MONTHS, each 2 weeks with a «ok, you’re approved!» And then two days later, «Oh, actually, we still need your mother’s blood type, so you’re not approved: sorry.» On, and on, and on. For your sanity’s sake, do not, DO NOT engage with them. I hate that they still have my application information on file somewhere because of how inept they are.
I can’t emphasize enough: stay away.

Great service, honest, best rates. Highly recommended!

I have refinanced with this company four times, chasing interest rates as they went down. I have only gotten refinances with no points and no fees. And they are genuinely no fee – I have been reimbursed for appraisal fees that other companies have said they would not reimburse. Admittedly, I have a fairly simple situation — a good income to mortgage ratio, no other properties (except my husband has a partial interest in a small house elsewhere), good credit, etc. but in the four times I’ve refinanced, it has gone through in, on average, just a month. IFFG’s employees have been highly responsive, friendly, helpful, and just consummate professionals. If ever I refinance again, I know exactly where to go.

Integrity First assisted me in refinancing my home two times. I am extremely pleased with their patience and knowledge. The overall experience was outstanding and I highly recommend their services.

My father-​in-​law who lives in Newport Beach was looking for a refi broker and found these guys. He was able to get a better deal through a different broker, but was so impressed with Brian Goetz at IFFG that he recommended him to us. We attempted to refi last year through Merrill Lynch. Although we have outstanding credit, since we needed a 90% LTV loan, we were given all sorts of hurdles to jump over that it was just not worth doing at the time. Last month I decided to give Integrity First a call. Brian was very knowledgable and helpful and came up with a perfectly sane solution of PMI and a competitive rate. Discussed it with my wife and called him back the next day and even got a better rate and locked it. We wanted a no cost loan so we sacrificed some points in the end but still got a competitive rate and would save $$$ even with the PMI. We paid $ 400 for the appraisal which was assigned by IFFG. She was a local appraiser, VERY good and knew our neighborhood well. Also had to pay 15 days prorated interest to close. Apparently we will get $ 200 back from escrow. Yay. The whole process took exactly a month and was painless. Although they are in San Diego and we are in Los Angeles and never met face-​to-​face, it was never a problem. Just FYI, if you are thinking about applying for a loan, be prepared and try and get all your paperwork together BEFORE you start shopping. We were prepared and it helped the whole operation run very smoothly. Overall it was a very good experience and I would highly recommend them.

We have subsequently done another loan with Brian Goetz and IFFG and once again it went very smoothly. Every detail was accurately covered before the actual refinance and there were no surprises. Brian stays in close communication all the time and makes sure that everything gets done in time. We got the rate that was promised at the cost that was promised. For the final signing of documents they sent someone to our house, at their expense, to certify everything. My wife and I are very satisfied with the service and would not hesitate to use him again.

IFFG is awesome! I finished my re-​fi with them recently and they got me a really good rate. Their rates were better than Wells Fargo or any other banks I checked out and their staff went above and beyond to make sure the re-​fi went smoothly with as little pain as possible. Thanks IFFG!

After three arduous months of working with this mortgage broker to refinance my home loan, I came to a sad and unfortunate conclusion that Integrity First Financial Group has been intentionally misrepresenting loan terms, omitting mandatory disclosures and engaging in unfair and deceptive practices.
This middle-​man broker (it’s not a direct lender as it claims it is) has been conducting a bait and switch ad campaign in which customers who were promised a no-​cost mortgage wound up with much higher cost and rates.
For my case (FICO score of 800+, LTV ratio of 80-​% and conforming loan), IFFG advertised a home loan program at «3.675 percent, with no points and no fees,» but I later found that I did not actually received those terms, the broker gradually increased the rate to 3.75 and the fees to 1% of the loan after four GFEs. To make it difficult for me to back out, IFFG charged the appraisal fee upfront to my credit card and refused to refund it if I decided to not accept their loan terms. This fee of $ 450 and others such as title insurance are quite high comparing to my previous loan. Also, I was forced to pay off my subordinate loan of 20K unnecessarily during this process.
I have contacted from the agent (Vernont Jefferson) to his manager (Chris Burke) and finally the president (Alex Barnett) trying to get my appraisal fee refunded before switching to a more honest lender, but none gave me a satisfactory answer and repeatedly engaged in evasive and stalling tactics. This company has no integrity as it claims it has.

With falling interest rates, I feel like I’ve re-​financed my home five times. But this experience with this company was amazing. Head and shoulders above the any previous experience. Customer services was amazing. I got actual phone calls, instead of e-​mails. They closed in record time, even with a second loan that needed to be subordinated. I’ve never reviewed a mortgage company before, but this group needs to be recognized. They are a California company, but they are licensed in Colorado, where I am, (and other states, I think). I dealt with Brian Goetz.

We found IFFG on
based on good reviews and competitive rates. The person who handled our transaction was very upfront, knowledgable, and easy to contact. He kept me informed along the way. Our only complaint, and reason for 3 stars, is that we had a pre-​approval and a rate lock at 4.25 but about a week later were told that the lender may not approve the loan because we don’t have enough credit cards. We were told that we could either wait and see what they would decide and probably end up paying to extend the lock while the lender reviewed our file, which they could still then reject, or we could lock with another lender at a higher rate 4.375. We decided to lock with another lender. It was disappointing that we did not get the rate we were originally quoted. We were also surprised that we didn’t get the best rate offered when we have the assets to pay off the loan in full, and have no other debts, great income, high credit scores, etc. It felt a little like a bait and switch, and am not sure we would have chosen them had we known upfront that we were getting a 4.375 rate. On the positive side, the costs were right on from the beginning, and we did close on time. We had a smooth transaction except for that issue with the rate.

I also just finished a re-​fi with them. I have to say this was the best re-​fi experience I’ve had with anyone over the past 10 years. They offered the best rate compared to the big banks. They also gave a discount on closing costs. Finally, everything was so easy. Many initial documents could be signed electronically. They sent a traveling notary to my house to sign the final ones. It all done within 3 weeks — fastest re-​fi I’ve ever had. Sean Cosgrove/​Heather Prida was who I used and I’d strongly recommend!

We just wrapped up our mortgage re-​fi with these guys and it was an awesome experience. They were honest, helpful and smart. After failed attempts with both Lending Tree and Wells Fargo, I found IFFG via a random Google search.
They buy mortgages outright and then sell them back to lenders. We started with Wells, ended with BofA.
We closed in 25 days and saved half a point over what Wells had offered, paid a flat fee and they even sent a traveling notary to our house to finish up. Brilliant.
I worked with Sean Cosgrove and Heather Prida, they were on it, gave me great advice /​guidance and honestly it was less than half the hoop jumping we went through with other lenders.
Highly recommend.

We had a wonderful experience with Integrity First Financial! I can’t say enough about Kelli S and her group. She went above and beyond getting a loan for us and closed it when she said she would. Every person we came in contact with that had something to do with Integrity were knowledgeable, friendly and we just had an overall great experience. Kelli got us a great rate and did everything in her power to make sure everything was taken care of and went smoothly with our refi. I would recommend them without hesitation. I can see why people continue to come back to them because you just can’t find businesses that actually live up to their name anymore. They definitely have integrity!

I had an excellent experience with Integrity First when buying my condo. The agent I worked with was knowledgeable, communicative, easy to reach and funded my loan faster than I thought was possible! On the few occasions I emailed him, I received a response that answered all of my questions and concerns promptly. He even took the time to explain all of the different loan options (dizzying!) and help me select the one the fit my needs best. I have and will continue to recommend Integrity First to all of my friends and family.

Ironically this company is named Intergirty first. It should probably be named Integrity last! I was working with an agent from this company for refinancing my home mortgage. She emailed me on 11/​08/​2010 stating that she would like to schedule an appraisal of the house and that there would be no cost for the appraisal. I still have this email. The appraisal was completed in the 2^nd week of November 2010. It has been more than 2 months since the appraisal and the agent has not contacted me in spite of numerous queries by email and phone. In addition, the appraisal company charged $ 400 to my credit card for an appraisal. I have never seen the appraisal and the agent refuses to respond to my queries.

I have used IFFG for 2 home purchases now and have had nothing but exceptional service– The first time was back in 07 when lending standards were a little shaky and they did a tremdous job steering me away from certain products that could have ended up hurting me in the future– I recently used them again, closed 3 weeks ago, and the process was as smooth as ever– I locked, got an appraisal, signed docks and closed escrow without blinking an eye– I would highly reccomend this company to anyone out there looking for a purchase or re-​fi–